Improving your home can be expensive. If you’re frequently shopping at Home Depot, you may be considering the Home Depot credit card. Home Depot offers cards for consumers and small businesses. Consumers with fair credit or better can typically qualify for a Home Depot credit card, which means a credit score of around 640 or higher.
HomeDepot Credit Card Types
| Compare Home Depot Credit Cards |
Consumer Credit Card |
Project Loan
|
Commercial Revolving Charge |
Commercial Account
|
|---|---|---|---|---|
| Why This Card | Increase your budget for home improvement and repair projects | Best for kitchen and bathroom remodeling, room addition, replacing a roof and other big projects |
Get these credit options to increase your business opportunities and buying power. |
Get these credit options to increase your business opportunities and buying power. |
| Financing | 6-month financing on purchases of more than $299, up to 24-month financing with special offers. |
Loan of up to $55,000 with 6-month payment | ||
| Interest | Special financing available every day | Interest-only payments for the first 6 months | 60 days to pay with no interest on every purchase. | 60 days to pay with no interest on every purchase. |
| APR | 17.99% – 26.99%, based on creditworthiness | from 7.42% – 19.96% fixed APR | N/A | N/A |
| Payments | Minimum payments required | Up to 114 fixed payments every month; no prepayment penalty | Flexible payment – pay low amounts or make a full payment every month | Full payment is due every month |
| No Annual Fee | ✔ | ✔ | ✔ | ✔ |
| Itemized Statements | ✗ | ✗ | ✔ | ✔ |
| Easy Purchase Tracking |
✗ | ✗ | ✔ | ✔ |
| Pro Xtra Membership |
✗ | ✗ | ✔ | ✔ |
| Authorized User Cards |
✗ | ✗ | ✔ | ✔ |
| Buyer ID Cards | ✗ | ✗ | ✗ | ✔ |
| Pay by Invoice |
✗ | ✗ | ✗ | ✔ |
| Fuel Savings | ✗ | ✗ | ✔ | ✔ |
How to Complete a Home Depot Credit Card Application Online
It’s easy to complete a Home Depot credit card application online.
- To get started, visit website at homedepot.com/applynow.
- Click on “Credit Services” at the top of the page.
https://www.homedepot.com/
- Scroll down to the Consumer Credit card area and click “Apply Now” to apply for Home Depot card.
https://www.homedepot.com/c/Credit_Center
- Enter your first and last name, your email address, and your phone number. Provide your monthly housing payment and annual income. Select whether you own or rent your home.
Enter your Social Security number and your date of birth. - Scroll down to the bottom of the page and check the box that you’ve agreed to the terms and conditions. If you want paperless statements, check that box.
https://citiretailservices.citibankonline.com/CRS/acq/launch/index.action?app=UNSOL&siteId=PLCN_HOMEDEPOT
- Click the orange button that says “Submit Application.”
Other Ways to Complete a Home Depot Credit Card Application
You can also complete a Home Depot credit card application by visiting a Home Depot store. Let an associate know you’d like to apply for a Home Depot consumer card.
back to menu ↑Home Depot Credit Card Rewards Program
Home Depot doesn’t offer a rewards program. Instead, they offer special financing promotions. Depending on what you purchase and the amount of your purchase, you may qualify for no-interest financing for six months or more.
back to menu ↑Home Depot Credit Card FAQs
What is the APR for a Home Depot credit card?
The APR for a Home Depot card is based on your credit history. APRs typically range from 17.99 percent to 26.99 percent.
Can I transfer a balance?
Since the Home Depot card is a store credit card, you can’t transfer a balance to the card.
Is there an annual fee?
There is no annual fee for the Home Depot consumer credit card.
Is there a late fee?
If your payment is late, you may be charged a fee of up to $40.
Can I get a cash advance with the Home Depot credit card?
You can’t get a cash advance with the Home Depot credit card. The card can only be used for purchases at a Home Depot store or at the Home Depot website.
Home Depot Consumer Credit Card
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hi i applyed for a card but have not heard anything back
We are sorry to hear that you are not getting a response. Please contact the Customer Service team of the credit card
You’ve been sending me applications for credit yet every time I go online to fill it out it won’t allow me to enter in my birthday it’s been this way for 2 years you think by now you would fix it or maybe you like just running people around and still I spend my money at local hardware stores cuz you guys got your head up your ass similar to the store managers I noticed you hire inflated with their own self-importance they don’t know a buyer from a bum if they tripped over one